Liberty oaks - I am sorry to hear of the loss of your mother and first wish to express my condolences. Regarding the check, I have located your information. I will review the details of your situation and contact you shortly. Thanks for reaching out to us today. - Jason
I know it's too much for folks to actually read the account Terms & Conditions, but at a minimum they could put on their thinking cap and reason through this.
Remotely deposited checks are virtually never scrutinized by a person. Without going into an explanation of how to commit bank fraud, for all your bank knows you could be submitting for payment a piece of toiet paper with random MICR numbers on it. When there are, as USAA routinely does for certain customers, no holds, it's because USAA trusts you. There are usually no holds for credit-qualified customers.
Actually, USAA policies are too lax, according to banking regulators. They encourage all banks to treat remote check depsoits as unsecured 180-day personal loans.